In California, I can think of three examples of no fault insurance, the first being workers’ comp. If you’re injured on the job, you don’t have to prove that someone else was at fault. That’s a type of no fault insurance. In California, if you have medical payments coverage, even if you are at fault, you can still make a claim on your own policy if you have med pay and that will cover your medical bills. Again, no fault has to be proven in order to recover benefits. Finally, if you have personal injury protection or PIP insurance, again, that’s a type of coverage for medical or loss of earnings that doesn’t require that you prove fault. So all of these are an example of no-fault insurance.
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